SumUp vs GoCardless
Both SumUp and GoCardless are European-built, GDPR-compliant solutions in the payment processing space. This comparison breaks down their features, pricing, compliance posture, and data residency so you can make an informed choice for your team.
Quick Overview
SumUp
EU- Headquarters
- London, GB
- Pricing
- Per-transaction
- Open Source
- No
GoCardless
EU- Headquarters
- London, GB
- Pricing
- Per-transaction
- Open Source
- No
Key Differences
- Data residency differs: SumUp hosts data in EU, while GoCardless hosts in GB, EU. If your organisation requires data to stay in a specific EU country, this distinction matters for compliance.
- Each product has unique strengths: SumUp offers Card readers and POS system, while GoCardless provides Direct Debit (SEPA, Bacs, ACH) and Recurring payments. Your choice depends on which capabilities matter most for your workflow.
Feature Comparison
| Feature | SumUp | GoCardless |
|---|---|---|
| Name | SumUp | GoCardless |
| Pricing | Per-transaction | Per-transaction |
| Free Tier | ||
| GDPR | ||
| ISO 27001 | ||
| Open Source | ||
| Headquarters | London, GB | London, GB |
| Data Centers | EU | GB, EU |
| Card readers | ||
| POS system | ||
| Online payments | ||
| Payment links | ||
| Invoicing | ||
| Business account | ||
| Gift cards | ||
| QR code payments | ||
| Tap to Pay | ||
| Direct Debit (SEPA, Bacs, ACH) | ||
| Recurring payments | ||
| Open banking payments | ||
| Payment pages | ||
| Retry intelligence | ||
| Webhooks | ||
| Dashboard | ||
| API | ||
| Multi-currency |
Pricing Comparison
SumUp
Per-transactionper-transaction
GoCardless
Per-transactionper-transaction
Compliance Comparison
SumUp
GDPRDPA
GoCardless
GDPRDPA
Get Started
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How to Choose
You need enterprise-grade support and stability
Choose GoCardless
You prefer a nimble provider with personalised support
Choose SumUp
SumUp vs GoCardless — FAQ
What is the main difference between SumUp and GoCardless?
Both SumUp and GoCardless are European payment processing solutions with full GDPR compliance. The key differences lie in their approach: SumUp is headquartered in GB while GoCardless is based in GB. SumUp is headquartered in London, GB, while GoCardless is based in London, GB. Your choice should depend on your specific requirements for features, pricing, and data residency.
Which is more affordable, SumUp or GoCardless?
SumUp uses per-transaction pricing, while goCardless uses per-transaction pricing. Both use per-transaction pricing, so compare the tiers that match your team size and feature needs.
Are both SumUp and GoCardless GDPR compliant?
Yes. Both SumUp and GoCardless are European companies that store data within the EU/EEA and offer Data Processing Agreements. Neither is subject to the US CLOUD Act or FISA surveillance. For GDPR purposes, either option eliminates the legal risks associated with using US-based services.